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Our Latest Articles

Our Latest Articles

Date Published: 28 February 2022

Typically, when you use a mortgage calculator, you want to know what your mortgage payments will be (obviously). A couple borrowing, say, $800,000 for an investment property might want to know…

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Date Published: 28 February 2022

Much has been written about loan applications being rejected under the Credit Contracts and Consumer Finance Act (CCCFA) requirements for reasons such as a couple of lottery tickets, takeaways, and…

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Date Published: 3 February 2022

Buying an investment property is a different bag of hedgehogs than buying a property for yourself. When you’re buying your own home it’s (arguably) totally reasonable to debate for hours…

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Date Published: 3 February 2022

The Credit Contracts and Consumer Finance Act (CCCFA) came into force on the 1st December 2021 and was largely meant to protect consumers from high-interest loan sharks. Unintended effects of…

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Date Published: 17 January 2022

Tiny homes are all the rage these days. With more people looking to downsize their lives, these little houses are popular among homeowners and renters alike. However, one of the…

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Date Published: 30 December 2021

If you’ve ever watched one of the Mortgage Lab’s webinars or Facebook livestreams, you will most likely have heard us rave about this app.  It’s one of our favourites –…

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Date Published: 1 November 2021

Recently Labour and National shocked New Zealand by not only agreeing on something but also working together on a new housing bill: the Resource Management (Enabling Housing Supply and Other…

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Date Published: 28 October 2021

If you’re interested in property investment in New Zealand, you’re likely no stranger to the increased lending restrictions put in place this year. These restrictions were intended to discourage small…

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Date Published: 7 October 2021

There are many valid reasons why you might be looking to pull some equity out of your property to use elsewhere. This is commonly called a ‘top-up’ on your mortgage. …

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Date Published: 1 October 2021

No one likes being rejected. Some of us still blush when we remember being turned down by Patrick Summers at the Year 9 dance. That’s just for instance. We’re not…

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Date Published: 1 September 2021

This article is current as of 1 September 2021 It’s Covid-19 lockdown déjà vu for New Zealand. While most of the country is now at level 3 Auckland will remain…

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new build or existing home

Date Published: 30 August 2021

There’s a lot to weigh up between a new build or an existing house. Some of it is a personal preference; the beauty of a stained glass window in a…

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Buying a house with Bitcoin

Date Published: 25 August 2021

In no way does this article condone the investment in Bitcoin.  Invest to your personal level of risk tolerance and always seek advice before engaging in any form of speculative…

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Interest Only Mortgages

Date Published: 24 August 2021

This article is current as at 1 September 2021. Interest-only mortgages can be the right strategy in certain circumstances. Unfortunately freeing up money in order to go on holiday isn’t…

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How to correctly export your bank statements

Date Published: 23 August 2021

Your mortgage adviser will need to check your bank statements and include them in the mortgage application.  Below are the instructions for getting the correct versions of your bank statements.…

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Date Published: 28 July 2021

For many of us, the game Monopoly informs our earliest understanding of how investment property works. And so we are given to believe that it’s fairly straightforward to grow from…

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Who is your property team?

Date Published: 27 July 2021

Surrounding yourself with property experts is not just a good idea; it’s absolutely necessary. And while it sounds expensive, you don’t need to be rolling in cash. In fact, in…

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Date Published: 20 July 2021

When you think about mortgage broking (okay, you probably don’t think about mortgage broking but stay with us) you probably think about it in the context of buying a house.…

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